If saving the most money is your goal, then the best way to save money on car insurance rates in Dallas is to regularly compare quotes from insurance carriers who sell insurance in Texas.
- Read and learn about car insurance and the things you can change to prevent expensive coverage. Many things that result in higher rates such as traffic violations and an unacceptable credit score can be controlled by making small lifestyle or driving habit changes. Keep reading for additional tips to prevent expensive rate increases and get discounts that may be available to you.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO or State Farm, while agents who are independent can quote rates for a wide range of insurance providers. View companies
- Compare the new quotes to your current policy premium to see if a cheaper rate is available in Dallas. If you find a lower rate quote and make a switch, make sure coverage is continuous and does not lapse.
- Give notification to your current company of your intention to cancel the current policy. Submit a completed policy application and payment for your new coverage. Be sure to place the new proof of insurance certificate along with your vehicle registration.
A valuable tip to remember is that you’ll want to compare similar limits and deductibles on each price quote and and to look at as many different companies as possible. This enables an apples-to-apples comparison and many rates to choose from.
Astonishing but true according to a recent study, over 70% of consumers have remained with the same car insurance company for four years or more, and just short of a majority have never compared rate quotes at all. Most drivers in America can save hundreds of dollars each year just by getting comparison quotes, but they don’t want to spend time to find cheaper insurance by shopping around.
These discounts can lower your auto insurance quotes
Insuring your fleet can be pricey, but you may find discounts that can drop the cost substantially. Many of these discounts will be applied automatically when you complete an application, but a few need to be requested specifically in order for you to get them.
- Discounts for Good Drivers – Insureds who avoid accidents may save up to 50% more as compared to drivers with claims.
- Clubs and Organizations – Having an affiliation with certain professional organizations is a good way to get lower rates on your next renewal.
- No Accidents – Dallas drivers who stay claim-free can save substantially in comparison with drivers with a long claim history.
- Discounts for Government Workers – Active or former government employment can save as much as 8% with some auto insurance companies.
- Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.
- Low Mileage – Keeping the miles down on your Buick may enable drivers to earn slightly better rates than normal.
- No Charge for an Accident – Not a discount per se, but some companies like Liberty Mutual, GEICO and Allstate allow you one accident without raising rates with the catch being you have to be claim-free for a particular time prior to the accident.
- Military Discounts – Having a deployed family member can result in better rates.
While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like comp or med pay. Even though it appears you could get a free auto insurance policy, insurance companies wouldn’t stay in business.
The example below visualizes the comparison of Buick Enclave auto insurance rates with and without policy discounts. The prices are based on a female driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, safe-driver, claim-free, and multi-car discounts applied.
Companies and a summarized list of policyholder discounts are shown below.
- State Farm may include discounts for passive restraint, anti-theft, defensive driving training, accident-free, Drive Safe & Save, and good driver.
- GEICO offers discounts including anti-theft, air bags, emergency military deployment, federal employee, and seat belt use.
- SAFECO includes discounts for accident prevention training, teen safety rewards, anti-lock brakes, multi-car, safe driver, homeowner, and anti-theft.
- Farmers Insurance offers discounts for homeowner, electronic funds transfer, good student, early shopping, teen driver, and alternative fuel.
- AAA offers premium reductions for multi-car, good student, AAA membership discount, multi-policy, and good driver.
- USAA may offer discounts for multi-policy, good student, safe driver, defensive driver, multi-vehicle, and military installation.
When quoting, ask all the companies to give you their best rates. A few discounts might not be offered on policies in your area. To see companies that offer the discounts shown above in Dallas, follow this link.
Finding cheaper Dallas insurance rates doesn’t have to be difficult. All you need to do is take time to get quotes to find out which insurance company has low cost Dallas car insurance quotes.
The providers in the list below offer free rate quotes in Texas. If several companies are displayed, we suggest you visit two to three different companies in order to find the most affordable rates.
Buick Enclave insurance rates and statistics
The rate table displayed next showcases detailed analysis of prices for Buick Enclave models. Learning more about how insurance premiums are figured can be of help when making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $286 | $572 | $430 | $26 | $128 | $1,442 | $120 |
| Enclave CX AWD | $286 | $572 | $430 | $26 | $128 | $1,442 | $120 |
| Enclave XL 2WD | $286 | $572 | $430 | $26 | $128 | $1,442 | $120 |
| Enclave XL AWD | $318 | $572 | $430 | $26 | $128 | $1,474 | $123 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Prices do not factor in your specific Dallas location which can decrease or increase premium rates noticeably.
Physical damage deductibles
A question often asked by Dallas drivers is which deductibles should you choose. The comparison tables below highlight the premium difference when you select higher and lower physical damage deductibles. The first set of prices uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Enclave CX AWD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Enclave XL 2WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Enclave XL AWD | $370 | $584 | $382 | $22 | $114 | $1,497 | $125 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Enclave CX 2WD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Enclave CX AWD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Enclave XL 2WD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Enclave XL AWD | $228 | $368 | $382 | $22 | $114 | $1,114 | $93 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can modify prices substantially.
Using the premium rates above, we can conclude that using a $250 deductible costs about $31 more each month or $372 each year than opting for the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 24 months between claims, you would save more money by selecting a higher deductible.
Full coverage or liability only
The chart below shows the comparison of Buick Enclave premium costs with full coverage and liability only. The rate quotes are based on no accidents, no driving violations, $100 deductibles, single marital status, and no additional discounts are factored in.
Should you pay for full coverage or liability only?
There is no specific rule to exclude comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s assume your Buick Enclave settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $7,000 after the policy deductible has been paid. If it’s costing you more than $700 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not buy liability only.
Insurance can be complex
When quoting and choosing the best insurance coverage for your vehicles, there really isn’t a “perfect” insurance plan. Your financial needs are unique and your policy should reflect that.
For instance, these questions could help you determine whether or not you may require specific advice.
- Does car insurance cover theft of personal property?
- Why am I be forced to buy a membership to get insurance from some companies?
- When should I have rental car coverage?
- Does coverage follow the driver or the vehicle?
- How long can I keep a teen driver on my policy?
- Am I covered if I hit someone who is not insured?
- What vehicles should carry emergency assistance coverage?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.
Auto insurance is available from local agents
Some people prefer to go talk to an agent and often times that is recommended Insurance agents will help you protect your assets and give you someone to call. A good thing about getting online price quotes is that drivers can save money and get better rates and still have an agent to talk to.
For easy comparison, once you complete this quick form, your insurance coverage information is emailed to insurance agents in Dallas that give free quotes for your auto insurance coverage. There is no need to find an agent on your own as quotes are delivered to you. If you wish to compare rates from a specific company, you just need to search and find their rate quote page and fill out their quote form.
Selecting an company should include more criteria than just the premium amount. Agents should be asked these questions:
- Where would your vehicle be repaired?
- Do they carry Errors and Omissions coverage?
- Will their companies depreciate repairs to your car based on the mileage?
- How long has their agency been in business in Dallas?
- Does the agency provide any after hours assistance?
Exclusive and independent Dallas auto insurance agents
If you are wanting to find a local agent, you must know there are a couple different types of agents that you can choose from. Auto insurance agents can be classified as either exclusive or independent (non-exclusive). Both types of agents can write auto insurance policies, but it is important to understand the difference between them because it can influence your agent selection.
Exclusive Insurance Agents
These type of agents work for only one company like State Farm, AAA, Farmers Insurance or Allstate. They are unable to compare rates from other companies so always compare other rates. These agents receive extensive training on the products they sell and that allows them to sell at a higher price point. Consumers often choose to use a exclusive agent primarily because of the prominence of the brand rather than low price.
Below is a list of exclusive agents in Dallas willing to provide price quote information.
- Ruth Shannon – State Farm Insurance Agent
18217 Midway Rd #134 – Dallas, TX 75287 – (972) 735-9797 – View Map - Earl Gordon – State Farm Insurance Agent
7605 McCallum Blvd – Dallas, TX 75252 – (972) 407-9995 – View Map - John Hamman – State Farm Insurance Agent
8330 Abrams Rd #104 – Dallas, TX 75243 – (214) 341-3050 – View Map
Independent Agents (or Brokers)
These type of agents do not have single company limitations and that is an advantage because they can write policies through lots of different companies and find the cheapest auto insurance rates. If they find a cheaper price, they simply move the coverage in-house which makes it simple for you. When comparison shopping, you definitely need to contact multiple independent agents to get the most accurate price comparison. Many can place coverage with smaller regional carriers that can offer cheaper rates than bigger companies.
Shown below are Dallas independent agents that can give you comparison quotes.
- Thumann Agency, Inc
12770 Coit Rd Suite 110 – Dallas, TX 75251 – (972) 991-9100 – View Map - Ross “Pistol” Love – Love Insurance Agency
5400 E Mockingbird Ln #224 – Dallas, TX 75206 – (214) 843-0772 – View Map - CJ Lingberg Insurance Agency
11884 Greenville Ave a101 – Dallas, TX 75243 – (972) 479-9911 – View Map
Smart consumers save more
In this article, we presented quite a bit of information on how to get a better price on Buick Enclave insurance in Dallas. It’s most important to understand that the more times you quote, the higher your chance of finding cheaper Dallas car insurance quotes. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.
A few companies don’t offer online price quotes and usually these regional insurance providers sell through independent agents. Budget-friendly car insurance in Dallas is attainable on the web and with local Dallas insurance agents, and you need to price shop both to get a complete price analysis.
As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice full coverage only to discover later they didn’t have enough coverage. The goal is to purchase a proper amount of coverage for the lowest price.
Additional information is located on the following sites:
- Collision Insurance Coverage (Nationwide)
- How Much is Dallas Auto Insurance for a Toyota 4Runner? (FAQ)
- Who Has Affordable Car Insurance Rates for Real Estate Agents in Dallas? (FAQ)
- Auto Insurance Basics (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)